I have completed the Direct Loan On-Line Exit
Counseling session for subsidized Federal Direct Stafford/Ford Loan and
Federal Direct Unsubsidized Stafford/Ford loan borrowers. I have read, and
understand, my rights and responsibilities as a borrower as listed on the
Rights and Responsibilities Summary Checklist. I also understand that I
must repay my loan according to the terms of the promissory note.